Mc Kenzie Morrow is a financial advisor at Hornor, Townsend & Kent, LLC with one year of industry experience. She holds Series 63 and Series 65 licenses and previously worked at NYLIFE Securities LLC and New York Life Insurance Company. Outside of financial services, she has been involved with 2MORROW SOUND since 2021. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through advisory and brokerage services. The firm offers various investment programs and financial planning solutions, managing significant discretionary and non-discretionary assets while utilizing third-party asset managers within a dual-registered SEC and FINRA framework.

Hipolito Claudio Rosario is a financial advisor at Citigroup Global Markets with 25 years of industry experience. He holds a Series 66 designation and has worked at Citigroup since 2018, following an 18-year tenure at Popular Securities. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs. The firm combines large institutional scale with unique market roles, providing a broad set of advisory, execution, and custody services.

Frank Romero Jr. is a CFP® with 21 years of industry experience, currently serving at Focus Advisor Solutions, LLC since 2018. He previously worked at Loring Ward Securities Inc. from 2005 to 2018. In addition to his advisory role, he owns a western apparel business in New Braunfels, TX. Focus Advisor Solutions provides turnkey asset management and back-office services primarily to independent registered investment advisors and their clients. The firm offers model portfolios, fixed-income sub-advisory, and retirement plan management, combining enterprise scale with a focused advisor base.

Alexander Fedorko is a financial advisor with Empower Advisory Group in Kyle, TX. He holds Series 63 and Series 65 credentials and has six years of experience in the industry, including prior roles at Wells Fargo Clearing and Wells Fargo Bank. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, along with Empower Premier IRA and retail brokerage clients. The firm integrates its services with Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Richard Gutshall is a financial advisor with GWN Securities Inc. in Austin, TX, holding a Series 63 designation and bringing 28 years of industry experience. He previously spent 19 years at Lincoln Investment Planning, Inc. Outside of advisory work, Gutshall is a managing partner of a startup protection company and has experience as an independent representative in metals and coins. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients, including high-net-worth individuals. The firm offers discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios, with a distinctive legacy of market-timing and momentum-based strategies among its diverse suite of managed-account programs.

Cristian Ramirez is a financial advisor with Guardian Life in New Braunfels, TX, holding Series 66 and Series 63 credentials and three years of industry experience. Prior to joining Guardian Life, he worked at New York Life Insurance and NYLIFE Securities. Outside of his advisory role, he has a minority ownership interest in a multifamily short-term rental property. Guardian Life’s subsidiary, Park Avenue Wealth Management, provides brokerage services, financial planning, and retirement consulting to individuals, pension plans, charitable organizations, and corporate clients. The firm offers both discretionary and non-discretionary advisory relationships using a variety of model portfolios and a hybrid digital advisory platform.

Jennifer Larsen is a CFP® and ChFC® with nine years of industry experience, currently serving as a financial advisor at Hornor, Townsend & Kent, LLC. Her prior experience includes roles at Wohlstand Wealth Strategies, Eagle Strategies (NY Life), NYLIFE Securities LLC, and New York Life Insurance Co. In addition to her advisory work, Larsen is a consultant in tax mitigation and management and owns a business managing bookkeeping for insurance commissions. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a network of advisors, offering financial planning, retirement plan consulting, and advisory programs. The firm operates as both an SEC-registered adviser and FINRA-member broker-dealer, providing custody, execution, and brokerage services alongside investment advice.

Ruben Ruiz Jr. is a financial advisor with Money Concepts Capital Corp, holding the ChFC® designation and a Series 63 license. He has 38 years of industry experience and has been with Money Concepts Capital Corp since 1988. Outside of his advisory role, he owns Ruiz Financial Group LLC, which provides virtual sales assistant services and offers financial education courses to employees of various organizations. Money Concepts Advisory Service provides investment advisory, financial planning, and consulting services to a broad client base that includes individual investors, pension plans, trusts, and corporations. The firm uses model-driven and asset allocation approaches, offering both discretionary and non-discretionary programs, and works with third-party managers and platforms such as Envestnet to support its investment strategies.

Dustin Mundorf is a financial advisor with Brookstone Capital Management LLC in New Braunfels, TX, holding Series 63 and Series 65 credentials and 12 years of industry experience. He has operated Dustin Mundorf, Inc. since 2008 and has worked as an independent insurance agent since 2002. Brookstone Capital Management is an SEC-registered adviser providing fee-based asset management and financial planning through a turnkey asset management platform and wrap-fee program. The firm serves a diverse client base, including individuals, retirement plans, corporations, charitable organizations, other RIAs, sovereign wealth funds, and banking institutions, delivering investment management primarily on a discretionary basis via model portfolios and managed accounts.

Jessica Walker is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 66 licenses and having six years of industry experience. Her career includes roles at New York Life Insurance Company and related entities, as well as running Wohlstand Wealth Strategies, LLC. She serves as vice chair of the New Braunfels Women's Business Alliance and is treasurer for the Brauntex Theater Board of Directors. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory programs, financial planning, and retirement plan consulting. The firm operates as both an SEC-registered adviser and FINRA-member broker-dealer, providing a range of custody, execution, and brokerage services alongside investment advice.

Kenneth Gutshall is a financial advisor with GWN Securities Inc. in San Marcos, TX, holding a Series 63 designation and over 52 years of industry experience. He previously spent 19 years at Lincoln Investment Planning, Inc. and has operated his own financial services business, K. W. Gutshall & Associates, since 1997. He also works as an independent contractor providing life insurance products. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients through discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios. The firm manages approximately $3.65 billion across more than 37,000 client accounts and offers a range of portfolio management strategies, including legacy market-timing and momentum-based approaches.

Ricky Gonzales is a financial advisor with Eagle Strategies (NY Life) in New Braunfels, TX, holding Series 63 and Series 66 credentials and 14 years of industry experience. His prior roles include positions at Thrivent Investment Management Inc, NYLIFE Securities LLC, and New York Life Insurance Company. Outside of finance, he works as a hunting guide, assisting clients with tracking and harvesting game. Eagle Strategies serves a diverse client base including individual and institutional investors, offering financial planning, investment management, and retirement-plan advisory services. The firm provides tailored solutions through multiple program types and primarily manages assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Anne Buck is a financial advisor at Kestra Advisory with 35 years of industry experience. She holds the Chartered Financial Consultant (ChFC®) designation along with Series 63 and Series 65 licenses. Prior to joining Kestra Advisory, she spent a decade with Securities America Advisors, Inc. Buck is involved in several business activities outside her advisory role, including serving as managing member of a legal services LLC and participating in real estate and cattle leasing ventures. Kestra Advisory provides investment advisory and retirement plan consulting services to a diverse client base, including plan sponsors and institutional and individual investors. The firm offers fiduciary consulting, plan design, compliance testing, and investment advice supported by due diligence, serving a range of clients from individuals to sovereign wealth funds.

Justin Morales is a financial advisor at LPL Financial with three years of industry experience. He holds a Series 66 designation and has previously worked in various roles at BrassCraft Manufacturing, Rheem Manufacturing, Mass Mutual Investors Services, Mass Mutual Life Insurance Company, Best Plumbing Specialties, United Rentals, and Republic Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services with both discretionary and non-discretionary management options.

Stephen Zarate is a financial advisor at Fidelity with 11 years of industry experience. He holds Series 66 and Series 63 credentials and previously worked at Kestra Investment Services, LLC. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves as an advisor to multiple registered investment companies and fund-of-funds.

Cody Rickaway is a CFP® and Series 66-licensed financial advisor with 15 years of industry experience. He is currently with LPL Financial and has previously worked at Cambridge Investment Research Advisors and Thrivent Financial. Rickaway is involved in a side business through Integrated Wealth Management LLC, which includes non-variable insurance product sales. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios and research from multiple sources to support both discretionary and non-discretionary management.

Kristen Christensen is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. Her career includes roles at Ameriprise and Investment Professionals, Inc. In addition to her advisory work, she is involved with Outdoor Lifestyle Strategies and Springs Wealth Group. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a varied client base, including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary advice using risk profiling and modeling tools, supporting implementation through advisory programs and other providers.

Sammi Moore is a financial advisor at Edward Jones in San Marcos, TX, holding Series 65 and Series 63 licenses with one year of industry experience. Prior to joining Edward Jones, Moore worked in the mortgage industry at Thrive Mortgage and Caliber Home Loans. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a broad range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Sergio Gamez is a financial advisor with Primerica Advisors in San Marcos, TX, holding Series 63 and Series 65 credentials and over 32 years of industry experience. His work history includes long-term roles at Primerica Financial Services and PFS Investments, as well as seven years with Hays Consolidated Independent School District. In addition to advisory services, he engages in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, focusing on model-delivery strategies and selected separately managed accounts for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure, with portfolio implementation delegated to BNY Mellon Advisors.

Kevin Wartsbaugh is a financial advisor at Edward Jones with 18 years of industry experience. He holds the CFP®, ChFC®, and Series 66 designations and has been with Edward Jones since 2007. Outside of advisory work, he owns and manages a property and ranch in Texas. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.